Credit union · NCUA insured
Government Employees FCU CD Rates
Top CarrotGovernment Employees FCU’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Government Employees FCU’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Government Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Government Employees FCU
3.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $350
Term Share Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Government Employees FCU CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Government Employees FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 3.50%APY · 5 terms
Dividends are calculated by daily balance method and compound monthly. After opening, additional deposits are not permitted until maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 30 days interest | 1.00% | $25 |
| 6 monthsAPY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 30 days interest | 1.50% | $75 |
| 12 monthsAPY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 30 days interest | 3.50% | $350 |
| 24 monthsAPY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 90 days interest | 2.50% | $506 |
| 36 monthsAPY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 90 days interest | 2.25% | $690 |
Sources (1)
- gefcu.org/accounts/cds · captured Sep 25, 2026
Who can join Government Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals who belong to one of the eligible groups listed on the Select Employee Groups (SEG) are eligible for membership.
Military, government and schools
- Government employees are eligible for membership.
Other ways
- Eligibility can be gained by making a $15 donation to the Austin Public Library through GEFCU.
Cost to join
- A $15 donation to the Austin Public Library through GEFCU is required to gain membership eligibility via that path.
- A $5 deposit into a share account is required to become a member.
Membership information collected October 5, 2026.